/* ==========================================================
   Next Finance Step - Main Stylesheet
   Colors: ink navy, cobalt blue, sunflower yellow, cloud white
   Fonts: Epilogue (headings), Albert Sans (body)
   ========================================================== */

:root {
  --nfs-ink: #0b1736;
  --nfs-ink-soft: #1b2a52;
  --nfs-cobalt: #1640c4;
  --nfs-cobalt-dark: #0f2f96;
  --nfs-cobalt-soft: #3a63e0;
  --nfs-sun: #ffc531;
  --nfs-sun-dark: #e8a900;
  --nfs-sun-light: #fff4d3;
  --nfs-cloud: #f3f6fd;
  --nfs-sky: #e6ecfc;
  --nfs-text: #3d4763;
  --nfs-muted: #6b7591;
  --nfs-line: #dfe5f3;
  --nfs-white: #ffffff;
  --nfs-radius: 18px;
  --nfs-shadow: 0 18px 40px -18px rgba(11, 23, 54, 0.28);
  --nfs-head: 'Epilogue', 'Segoe UI', sans-serif;
  --nfs-body: 'Albert Sans', 'Segoe UI', sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--nfs-body);
  color: var(--nfs-text);
  font-size: 16.5px;
  line-height: 1.7;
  background: var(--nfs-white);
  overflow-x: hidden;
}
h1, h2, h3, h4, h5 { font-family: var(--nfs-head); color: var(--nfs-ink); font-weight: 700; line-height: 1.2; }
a { color: var(--nfs-cobalt); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--nfs-cobalt-dark); }
img { max-width: 100%; }

.section { padding: 96px 0; }
.bg-cloud { background: var(--nfs-cloud); }
.bg-ink { background: var(--nfs-ink); color: #c9d3ec; }
.bg-ink h2, .bg-ink h3 { color: #fff; }

/* ---------- Eyebrow + titles ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--nfs-head); font-weight: 700; font-size: 13px;
  letter-spacing: .14em; text-transform: uppercase; color: var(--nfs-cobalt);
  margin-bottom: 14px;
}
.eyebrow::before {
  content: ""; width: 22px; height: 10px;
  background:
    linear-gradient(var(--nfs-sun), var(--nfs-sun)) 0 100% / 6px 4px no-repeat,
    linear-gradient(var(--nfs-sun), var(--nfs-sun)) 8px 100% / 6px 7px no-repeat,
    linear-gradient(var(--nfs-sun), var(--nfs-sun)) 16px 100% / 6px 10px no-repeat;
}
.eyebrow.light { color: var(--nfs-sun); }
.section-title { font-size: clamp(28px, 3.4vw, 42px); font-weight: 800; margin-bottom: 18px; letter-spacing: -0.01em; }
.section-title .hl { color: var(--nfs-cobalt); position: relative; white-space: nowrap; }
.bg-ink .section-title .hl, .hero .hl, .cta .hl { color: var(--nfs-sun); }
.section-head { max-width: 680px; margin: 0 auto 52px; text-align: center; }
.section-head p { color: var(--nfs-muted); }
.bg-ink .section-head p { color: #aab6d6; }

/* ---------- Buttons ---------- */
.btn-nfs, .btn-nfs-dark, .btn-nfs-light, .btn-nfs-outline {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--nfs-head); font-weight: 700; font-size: 15px;
  padding: 14px 26px; border-radius: 10px; border: 2px solid transparent;
  cursor: pointer; transition: all .25s ease; line-height: 1.2;
}
.btn-nfs { background: var(--nfs-sun); color: var(--nfs-ink); box-shadow: 0 6px 0 var(--nfs-sun-dark); }
.btn-nfs:hover { color: var(--nfs-ink); transform: translateY(-2px); box-shadow: 0 8px 0 var(--nfs-sun-dark); }
.btn-nfs-dark { background: var(--nfs-cobalt); color: #fff; box-shadow: 0 6px 0 var(--nfs-cobalt-dark); }
.btn-nfs-dark:hover { color: #fff; transform: translateY(-2px); box-shadow: 0 8px 0 var(--nfs-cobalt-dark); }
.btn-nfs-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.55); }
.btn-nfs-light:hover { background: #fff; color: var(--nfs-ink); }
.btn-nfs-outline { background: transparent; color: var(--nfs-cobalt); border-color: var(--nfs-cobalt); }
.btn-nfs-outline:hover { background: var(--nfs-cobalt); color: #fff; }
.btn-nfs .arrow, .btn-nfs-dark .arrow { transition: transform .25s ease; }
.btn-nfs:hover .arrow, .btn-nfs-dark:hover .arrow { transform: translateX(4px); }
button:disabled { opacity: .7; cursor: wait; }

/* ---------- Top bar ---------- */
.topbar { background: var(--nfs-ink); color: #b7c3e3; font-size: 14px; padding: 9px 0; }
.topbar .item { color: #b7c3e3; margin-right: 26px; display: inline-flex; align-items: center; gap: 8px; }
.topbar .item i { color: var(--nfs-sun); }
.topbar a.item:hover { color: #fff; }
.topbar .social a { color: #b7c3e3; margin-left: 14px; }
.topbar .social a:hover { color: var(--nfs-sun); }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 1030; background: #fff; border-bottom: 1px solid var(--nfs-line); transition: box-shadow .25s ease; }
.site-header.scrolled { box-shadow: 0 10px 30px -18px rgba(11,23,54,.35); }
.site-header .navbar { padding: 14px 0; }
.navbar-brand img { height: 44px; width: auto; }
.navbar-toggler { border: 0; color: var(--nfs-ink); padding: 4px 6px; }
.navbar-toggler:focus { box-shadow: none; }
.nav-link { font-family: var(--nfs-head); font-weight: 600; color: var(--nfs-ink) !important; padding: 8px 14px !important; position: relative; }
.nav-link::after {
  content: ""; position: absolute; left: 14px; right: 14px; bottom: 2px; height: 3px;
  background: var(--nfs-sun); border-radius: 3px; transform: scaleX(0); transform-origin: left; transition: transform .25s ease;
}
.nav-link:hover::after, .nav-link.active::after { transform: scaleX(1); }

/* ---------- Hero ---------- */
.hero { position: relative; background: var(--nfs-ink); color: #c9d3ec; overflow: hidden; }
.hero .hero-photo {
  position: absolute; top: 0; right: 0; bottom: 0; width: 46%;
  clip-path: polygon(18% 0, 100% 0, 100% 100%, 0 100%);
}
.hero .hero-photo img { width: 100%; height: 100%; object-fit: cover; }
.hero .hero-photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(11,23,54,.55), rgba(22,64,196,.15)); }
.hero .container { position: relative; z-index: 2; padding-top: 110px; padding-bottom: 130px; }
.hero h1 { color: #fff; font-size: clamp(36px, 5vw, 60px); font-weight: 800; letter-spacing: -0.02em; margin-bottom: 22px; }
.hero .lead { font-size: 18.5px; color: #c9d3ec; max-width: 560px; margin-bottom: 34px; }
.hero-points { list-style: none; padding: 0; margin: 34px 0 0; display: flex; flex-wrap: wrap; gap: 12px 26px; }
.hero-points li { display: inline-flex; align-items: center; gap: 8px; color: #fff; font-weight: 500; }
.hero-points i { color: var(--nfs-sun); }

.step-stack { position: relative; }
.step-card {
  display: flex; align-items: center; gap: 16px; background: #fff; color: var(--nfs-ink);
  border-radius: 14px; padding: 18px 20px; box-shadow: var(--nfs-shadow); margin-bottom: 16px;
  transition: transform .25s ease;
}
.step-card:hover { transform: translateX(-6px); color: var(--nfs-ink); }
.step-card:nth-child(2) { margin-left: 28px; }
.step-card:nth-child(3) { margin-left: 56px; }
.step-card:nth-child(4) { margin-left: 84px; margin-bottom: 0; }
.step-card .n {
  flex: 0 0 46px; height: 46px; border-radius: 12px; display: grid; place-items: center;
  font-family: var(--nfs-head); font-weight: 800; background: var(--nfs-sky); color: var(--nfs-cobalt);
}
.step-card:nth-child(4) .n { background: var(--nfs-sun); color: var(--nfs-ink); }
.step-card strong { display: block; font-family: var(--nfs-head); font-size: 16px; }
.step-card small { color: var(--nfs-muted); font-size: 14px; }
.step-card .go { margin-left: auto; color: var(--nfs-cobalt); }
.stack-label { color: #fff; font-family: var(--nfs-head); font-weight: 700; margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
.stack-label i { color: var(--nfs-sun); }

/* ---------- Staircase values ---------- */
.stairs { margin-top: -70px; position: relative; z-index: 3; }
.stair {
  background: #fff; border-radius: var(--nfs-radius); padding: 28px 24px; height: 100%;
  box-shadow: var(--nfs-shadow); border-top: 5px solid var(--nfs-cobalt);
}
.stair .ic { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; font-size: 22px; background: var(--nfs-sky); color: var(--nfs-cobalt); margin-bottom: 16px; }
.stair h3 { font-size: 18.5px; margin-bottom: 8px; }
.stair p { margin: 0; font-size: 15px; color: var(--nfs-muted); }
.stair.last { border-top-color: var(--nfs-sun); }
.stair.last .ic { background: var(--nfs-sun-light); color: var(--nfs-sun-dark); }
@media (min-width: 992px) {
  .stairs .col-lg-3:nth-child(1) .stair { margin-top: 54px; }
  .stairs .col-lg-3:nth-child(2) .stair { margin-top: 36px; }
  .stairs .col-lg-3:nth-child(3) .stair { margin-top: 18px; }
  .stairs .col-lg-3 .stair { height: auto; }
}

/* ---------- About ---------- */
.about-frame { position: relative; padding: 0 30px 30px 0; }
.about-frame::before { content: ""; position: absolute; right: 0; bottom: 0; width: 70%; height: 70%; background: var(--nfs-sun); border-radius: var(--nfs-radius); }
.about-frame .main { position: relative; border-radius: var(--nfs-radius); overflow: hidden; aspect-ratio: 4 / 3.4; background: var(--nfs-sky); }
.about-frame .main img { width: 100%; height: 100%; object-fit: cover; }
.about-frame .mini {
  position: absolute; left: -10px; bottom: 0; width: 42%; aspect-ratio: 1; border-radius: var(--nfs-radius);
  overflow: hidden; border: 6px solid #fff; box-shadow: var(--nfs-shadow); background: var(--nfs-sky);
}
.about-frame .mini img { width: 100%; height: 100%; object-fit: cover; }
.about-frame .pin {
  position: absolute; top: 20px; left: 20px; background: var(--nfs-ink); color: #fff; font-family: var(--nfs-head);
  font-weight: 700; font-size: 14px; border-radius: 30px; padding: 8px 16px; display: inline-flex; gap: 8px; align-items: center;
}
.about-frame .pin i { color: var(--nfs-sun); }
.check-list { list-style: none; padding: 0; margin: 22px 0 30px; }
.check-list li { display: flex; gap: 12px; margin-bottom: 12px; color: var(--nfs-ink); font-weight: 500; }
.check-list i { color: var(--nfs-cobalt); font-size: 19px; line-height: 1.5; }
.call-chip { display: inline-flex; align-items: center; gap: 12px; color: var(--nfs-ink); }
.call-chip .ic { width: 50px; height: 50px; border-radius: 50%; display: grid; place-items: center; background: var(--nfs-sun); color: var(--nfs-ink); font-size: 20px; }
.call-chip small { display: block; color: var(--nfs-muted); font-size: 13px; }
.call-chip strong { font-family: var(--nfs-head); font-size: 18px; }
.call-chip:hover { color: var(--nfs-cobalt); }

/* ---------- Service cards ---------- */
.service-card { background: #fff; border-radius: var(--nfs-radius); overflow: hidden; height: 100%; display: flex; flex-direction: column; box-shadow: 0 2px 0 var(--nfs-line), 0 14px 34px -24px rgba(11,23,54,.35); transition: transform .3s ease, box-shadow .3s ease; }
.service-card:hover { transform: translateY(-6px); box-shadow: 0 2px 0 var(--nfs-line), var(--nfs-shadow); }
.service-card .thumb { position: relative; aspect-ratio: 16 / 10; overflow: hidden; background: var(--nfs-sky); }
.service-card .thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
.service-card:hover .thumb img { transform: scale(1.06); }
.service-card .num {
  position: absolute; left: 18px; bottom: -22px; width: 48px; height: 48px; border-radius: 12px; z-index: 2;
  background: var(--nfs-sun); color: var(--nfs-ink); display: grid; place-items: center; font-size: 20px; box-shadow: 0 8px 18px -8px rgba(11,23,54,.5);
}
.service-card .body { padding: 38px 26px 28px; display: flex; flex-direction: column; flex: 1; }
.service-card h3 { font-size: 21px; margin-bottom: 10px; }
.service-card p { color: var(--nfs-muted); font-size: 15.5px; flex: 1; }
.service-card .btn-nfs-dark { align-self: flex-start; padding: 12px 22px; font-size: 14.5px; }
.service-card ul { list-style: none; padding: 0; margin: 0 0 20px; }
.service-card ul li { font-size: 14.5px; color: var(--nfs-ink); display: flex; gap: 8px; margin-bottom: 6px; }
.service-card ul li i { color: var(--nfs-cobalt); }

/* ---------- Timeline (how it works) ---------- */
.timeline { position: relative; }
@media (min-width: 992px) {
  .timeline::before { content: ""; position: absolute; top: 31px; left: 12%; right: 12%; border-top: 3px dashed #b9c6ee; }
}
.t-step { text-align: center; position: relative; padding: 0 10px; }
.t-step .dot {
  width: 64px; height: 64px; border-radius: 50%; margin: 0 auto 20px; display: grid; place-items: center;
  font-family: var(--nfs-head); font-weight: 800; font-size: 20px; background: #fff; color: var(--nfs-cobalt);
  border: 3px solid var(--nfs-cobalt); position: relative; z-index: 1;
}
.t-step.final .dot { background: var(--nfs-sun); border-color: var(--nfs-sun); color: var(--nfs-ink); }
.t-step h3 { font-size: 19px; margin-bottom: 8px; }
.t-step p { color: var(--nfs-muted); font-size: 15px; margin: 0; }

/* ---------- Why choose us (dark) ---------- */
.why-photo { position: relative; border-radius: var(--nfs-radius); overflow: hidden; height: 100%; min-height: 380px; background: var(--nfs-ink-soft); }
.why-photo img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.why-photo .note { position: absolute; left: 20px; right: 20px; bottom: 20px; background: var(--nfs-sun); color: var(--nfs-ink); border-radius: 14px; padding: 18px 20px; }
.why-photo .note small { font-family: var(--nfs-head); font-weight: 700; letter-spacing: .12em; font-size: 12px; }
.why-photo .note p { margin: 4px 0 0; font-family: var(--nfs-head); font-weight: 700; font-size: 17px; line-height: 1.4; }
.why-item { display: flex; gap: 16px; padding: 22px; border-radius: 14px; background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1); height: 100%; transition: background .25s ease; }
.why-item:hover { background: rgba(255,255,255,.09); }
.why-item .ic { flex: 0 0 48px; height: 48px; border-radius: 12px; display: grid; place-items: center; background: var(--nfs-cobalt); color: #fff; font-size: 20px; }
.why-item h3 { font-size: 17.5px; margin-bottom: 6px; color: #fff; }
.why-item p { margin: 0; font-size: 15px; color: #aab6d6; }

/* ---------- Next step picker ---------- */
.pick-card {
  display: flex; align-items: center; gap: 16px; background: #fff; border: 2px solid var(--nfs-line);
  border-radius: 14px; padding: 18px 20px; color: var(--nfs-ink); height: 100%; transition: all .25s ease;
}
.pick-card:hover { border-color: var(--nfs-cobalt); color: var(--nfs-ink); transform: translateY(-3px); }
.pick-card .ic { flex: 0 0 48px; height: 48px; border-radius: 50%; display: grid; place-items: center; background: var(--nfs-sun-light); color: var(--nfs-sun-dark); font-size: 20px; }
.pick-card strong { display: block; font-family: var(--nfs-head); }
.pick-card small { color: var(--nfs-muted); font-size: 14px; }
.pick-card .go { margin-left: auto; color: var(--nfs-cobalt); transition: transform .25s ease; }
.pick-card:hover .go { transform: translateX(4px); }

/* ---------- Testimonials ---------- */
.testi-card { background: #fff; border-radius: var(--nfs-radius); padding: 30px 28px; height: 100%; position: relative; border: 1px solid var(--nfs-line); display: flex; flex-direction: column; }
.testi-card .q { position: absolute; top: 18px; right: 22px; font-size: 44px; color: var(--nfs-sky); line-height: 1; }
.testi-card .stars { color: var(--nfs-sun-dark); margin-bottom: 14px; letter-spacing: 2px; }
.testi-card p { font-size: 15.5px; color: var(--nfs-text); flex: 1; }
.testi-card .who { display: flex; align-items: center; gap: 12px; margin-top: 10px; }
.testi-card .av { width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center; font-family: var(--nfs-head); font-weight: 700; background: var(--nfs-cobalt); color: #fff; }
.testi-card .av.y { background: var(--nfs-sun); color: var(--nfs-ink); }
.testi-card .av.i { background: var(--nfs-ink); }
.testi-card h4 { font-size: 16.5px; margin: 0; }

/* ---------- FAQ ---------- */
.faq .accordion-item { border: 1px solid var(--nfs-line); border-radius: 14px !important; margin-bottom: 12px; overflow: hidden; background: #fff; }
.faq .accordion-button { font-family: var(--nfs-head); font-weight: 700; color: var(--nfs-ink); padding: 18px 22px; background: #fff; box-shadow: none; }
.faq .accordion-button:not(.collapsed) { color: var(--nfs-cobalt); background: #fff; }
.faq .accordion-button:focus { box-shadow: none; }
.faq .accordion-body { padding: 0 22px 20px; color: var(--nfs-muted); }

/* ---------- Blog cards ---------- */
.post-card { background: #fff; border-radius: var(--nfs-radius); overflow: hidden; height: 100%; display: flex; flex-direction: column; border: 1px solid var(--nfs-line); transition: transform .3s ease, box-shadow .3s ease; }
.post-card:hover { transform: translateY(-5px); box-shadow: var(--nfs-shadow); }
.post-card .thumb { display: block; aspect-ratio: 16 / 10; overflow: hidden; background: var(--nfs-sky); }
.post-card .thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
.post-card:hover .thumb img { transform: scale(1.05); }
.post-card .body { padding: 26px; display: flex; flex-direction: column; flex: 1; }
.post-card h3 { font-size: 19.5px; margin-bottom: 10px; }
.post-card h3 a { color: var(--nfs-ink); }
.post-card h3 a:hover { color: var(--nfs-cobalt); }
.post-card p { color: var(--nfs-muted); font-size: 15px; flex: 1; }
.read-more { font-family: var(--nfs-head); font-weight: 700; display: inline-flex; align-items: center; gap: 8px; }
.read-more i { transition: transform .25s ease; }
.read-more:hover i { transform: translateX(4px); }
.post-card.wide .thumb { aspect-ratio: auto; height: 100%; min-height: 260px; }

/* ---------- Newsletter band ---------- */
.news-band { background: var(--nfs-sun); border-radius: 24px; padding: 50px; position: relative; overflow: hidden; }
.news-band::after { content: ""; position: absolute; right: -40px; top: -40px; width: 200px; height: 200px; border-radius: 50%; border: 30px solid rgba(255,255,255,.25); }
.news-band .eyebrow { color: var(--nfs-ink); }
.news-band .eyebrow::before { filter: brightness(.2); }
.news-band h2 { font-size: clamp(26px, 3vw, 34px); font-weight: 800; }
.news-band p { color: var(--nfs-ink-soft); }
.inline-sub { display: flex; gap: 10px; background: #fff; border-radius: 12px; padding: 8px; position: relative; z-index: 1; }
.inline-sub input { flex: 1; border: 0; outline: 0; padding: 10px 14px; font-size: 16px; min-width: 0; background: transparent; }
.inline-sub input.is-invalid { box-shadow: inset 0 0 0 2px #d63a3a; border-radius: 8px; }
.inline-sub .btn-nfs-dark { box-shadow: none; }
.small-note { font-size: 14px; margin: 12px 0 0; position: relative; z-index: 1; }
.news-band .small-note a { color: var(--nfs-ink); text-decoration: underline; }

/* ---------- CTA ---------- */
.cta { position: relative; padding: 110px 0; text-align: center; color: #d5ddf2; overflow: hidden; background: var(--nfs-cobalt-dark); }
.cta .bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.cta::before { content: ""; position: absolute; inset: 0; background: linear-gradient(120deg, rgba(11,23,54,.94), rgba(22,64,196,.82)); z-index: 1; }
.cta .container { position: relative; z-index: 2; max-width: 780px; }
.cta h2 { color: #fff; font-size: clamp(30px, 4vw, 46px); font-weight: 800; margin-bottom: 16px; }
.cta p { font-size: 18px; margin-bottom: 32px; }

/* ---------- Page banner ---------- */
.page-banner { position: relative; padding: 96px 0 84px; color: #d5ddf2; overflow: hidden; background: var(--nfs-ink); }
.page-banner .bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.page-banner::before { content: ""; position: absolute; inset: 0; background: linear-gradient(100deg, rgba(11,23,54,.96) 35%, rgba(22,64,196,.7)); z-index: 1; }
.page-banner::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 8px; background: linear-gradient(90deg, var(--nfs-sun) 0 25%, var(--nfs-cobalt-soft) 25% 100%); z-index: 2; }
.page-banner .container { position: relative; z-index: 2; }
.page-banner h1 { color: #fff; font-size: clamp(32px, 4.4vw, 52px); font-weight: 800; max-width: 900px; margin-bottom: 14px; }
.page-banner p { max-width: 720px; font-size: 18px; margin: 0; }
.crumbs { list-style: none; padding: 0; margin: 0 0 18px; display: flex; flex-wrap: wrap; gap: 8px; font-size: 14px; font-weight: 600; }
.crumbs li { color: var(--nfs-sun); }
.crumbs li + li::before { content: "/"; color: #8e9bc0; margin-right: 8px; }
.crumbs a { color: #fff; }
.crumbs a:hover { color: var(--nfs-sun); }

/* ---------- About page extras ---------- */
.rounded-photo { border-radius: var(--nfs-radius); overflow: hidden; background: var(--nfs-sky); }
.rounded-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.value-card { background: #fff; border: 1px solid var(--nfs-line); border-radius: var(--nfs-radius); padding: 30px 26px; height: 100%; transition: border-color .25s ease, transform .25s ease; }
.value-card:hover { border-color: var(--nfs-cobalt); transform: translateY(-4px); }
.value-card .ic { width: 54px; height: 54px; border-radius: 14px; display: grid; place-items: center; background: var(--nfs-cobalt); color: #fff; font-size: 22px; margin-bottom: 18px; }
.value-card h3 { font-size: 19px; }
.value-card p { color: var(--nfs-muted); font-size: 15px; margin: 0; }
.mission-box { background: var(--nfs-cloud); border-left: 6px solid var(--nfs-sun); border-radius: 0 var(--nfs-radius) var(--nfs-radius) 0; padding: 30px; height: 100%; }
.mission-box h3 { font-size: 21px; display: flex; align-items: center; gap: 10px; }
.mission-box h3 i { color: var(--nfs-cobalt); }
.mission-box p { margin: 0; }

/* ---------- Services page detail ---------- */
.svc-detail { padding: 34px 0; border-bottom: 1px solid var(--nfs-line); }
.svc-detail:last-child { border-bottom: 0; }

/* ---------- Contact ---------- */
.info-card { display: flex; gap: 16px; align-items: flex-start; background: #fff; border: 1px solid var(--nfs-line); border-radius: 14px; padding: 18px 20px; margin-bottom: 14px; }
.info-card .ic { flex: 0 0 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; background: var(--nfs-sun); color: var(--nfs-ink); font-size: 19px; }
.info-card h3 { font-size: 16px; margin-bottom: 2px; }
.info-card p, .info-card a { margin: 0; color: var(--nfs-text); font-weight: 500; }
.info-card a:hover { color: var(--nfs-cobalt); }
.form-panel { background: #fff; border-radius: var(--nfs-radius); padding: 40px; box-shadow: var(--nfs-shadow); border-top: 6px solid var(--nfs-cobalt); }
.form-panel h2 { font-size: 27px; font-weight: 800; }
.form-panel > p { color: var(--nfs-muted); }
.form-label { font-weight: 600; color: var(--nfs-ink); font-size: 15px; }
.form-control, .form-select { border: 1.5px solid var(--nfs-line); border-radius: 10px; padding: 12px 14px; font-size: 15.5px; background-color: var(--nfs-cloud); }
.form-control:focus, .form-select:focus { border-color: var(--nfs-cobalt); box-shadow: 0 0 0 4px rgba(22,64,196,.12); background-color: #fff; }
.form-check-input:checked { background-color: var(--nfs-cobalt); border-color: var(--nfs-cobalt); }
.form-check-input.is-invalid ~ .form-check-label { color: #d63a3a; }
.topic-check { background: var(--nfs-cloud); border-radius: 10px; padding: 10px 12px 10px 38px; margin: 0; font-size: 15px; cursor: pointer; }
.form-alert { display: none; margin-top: 16px; padding: 14px 16px; border-radius: 10px; font-size: 15px; font-weight: 500; position: relative; z-index: 1; }
.form-alert.show { display: block; }
.form-alert.success { background: #e3f6ea; color: #17643a; border: 1px solid #b6e3c6; }
.form-alert.error { background: #fde8e8; color: #a12626; border: 1px solid #f5c2c2; }
.form-alert.info { background: var(--nfs-sky); color: var(--nfs-cobalt-dark); border: 1px solid #c4d1f6; }
.map-wrap { border-radius: var(--nfs-radius); overflow: hidden; border: 1px solid var(--nfs-line); line-height: 0; }
.map-wrap iframe { width: 100%; height: 420px; border: 0; }
.hours-list { list-style: none; padding: 0; margin: 0; }
.hours-list li { display: flex; justify-content: space-between; gap: 12px; padding: 8px 0; border-bottom: 1px dashed rgba(255,255,255,.18); font-size: 15px; }
.hours-list li:last-child { border-bottom: 0; }

/* ---------- Article ---------- */
.article-body .article-hero { border-radius: var(--nfs-radius); overflow: hidden; margin-bottom: 30px; aspect-ratio: 16 / 9; background: var(--nfs-sky); }
.article-body .article-hero img { width: 100%; height: 100%; object-fit: cover; }
.article-body p { font-size: 17px; margin-bottom: 20px; }
.article-body .intro { font-size: 19px; color: var(--nfs-ink); font-weight: 500; }
.article-body h2 { font-size: 26px; font-weight: 800; margin: 38px 0 14px; }
.article-body blockquote { margin: 30px 0; padding: 24px 28px; background: var(--nfs-sun-light); border-left: 6px solid var(--nfs-sun); border-radius: 0 14px 14px 0; font-family: var(--nfs-head); font-weight: 700; font-size: 20px; color: var(--nfs-ink); line-height: 1.45; }
.article-cta { background: var(--nfs-ink); color: #c9d3ec; border-radius: var(--nfs-radius); padding: 34px; margin: 40px 0 30px; }
.article-cta h3 { color: #fff; font-size: 24px; }
.article-cta .btn-nfs-outline { color: #fff; border-color: rgba(255,255,255,.5); }
.article-cta .btn-nfs-outline:hover { background: #fff; color: var(--nfs-ink); }
.share-row { display: flex; align-items: center; flex-wrap: wrap; gap: 10px; padding: 20px 0; border-top: 1px solid var(--nfs-line); border-bottom: 1px solid var(--nfs-line); }
.share-row a { width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; background: var(--nfs-sky); color: var(--nfs-cobalt); }
.share-row a:hover { background: var(--nfs-cobalt); color: #fff; }
.post-nav { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; margin-top: 24px; }
.sidebar-box { background: var(--nfs-cloud); border-radius: var(--nfs-radius); padding: 28px; margin-bottom: 26px; }
.sidebar-box h3 { font-size: 19px; margin-bottom: 18px; padding-bottom: 12px; border-bottom: 3px solid var(--nfs-sun); display: inline-block; }
.sidebar-box.dark { background: var(--nfs-ink); color: #c9d3ec; }
.sidebar-box.dark h3 { color: #fff; }
.side-post { display: flex; gap: 14px; align-items: center; margin-bottom: 16px; }
.side-post:last-child { margin-bottom: 0; }
.side-post .t { flex: 0 0 76px; height: 64px; border-radius: 10px; overflow: hidden; background: var(--nfs-sky); }
.side-post .t img { width: 100%; height: 100%; object-fit: cover; }
.side-post a { color: var(--nfs-ink); font-family: var(--nfs-head); font-weight: 700; font-size: 15px; line-height: 1.35; }
.side-post a:hover { color: var(--nfs-cobalt); }
.side-list { list-style: none; padding: 0; margin: 0; }
.side-list li a { display: flex; justify-content: space-between; align-items: center; padding: 11px 0; border-bottom: 1px solid var(--nfs-line); color: var(--nfs-ink); font-weight: 500; }
.side-list li:last-child a { border-bottom: 0; }
.side-list li a:hover { color: var(--nfs-cobalt); padding-left: 4px; }

/* ---------- Legal ---------- */
.legal-body h2 { font-size: 23px; font-weight: 800; margin: 34px 0 12px; }
.legal-body ul { padding-left: 20px; }
.legal-body li { margin-bottom: 8px; }
.legal-body .updated { display: inline-block; background: var(--nfs-sky); color: var(--nfs-cobalt-dark); border-radius: 30px; padding: 6px 16px; font-weight: 600; font-size: 14px; margin-bottom: 20px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--nfs-ink); color: #a9b5d6; padding-top: 80px; font-size: 15.5px; }
.site-footer h4 { color: #fff; font-size: 18px; margin-bottom: 22px; }
.f-logo img { height: 40px; width: auto; margin-bottom: 20px; }
.f-social { display: flex; gap: 10px; margin-top: 22px; }
.f-social a { width: 40px; height: 40px; border-radius: 10px; display: grid; place-items: center; background: rgba(255,255,255,.08); color: #fff; }
.f-social a:hover { background: var(--nfs-sun); color: var(--nfs-ink); }
.f-links { list-style: none; padding: 0; margin: 0; }
.f-links li { margin-bottom: 10px; }
.f-links a { color: #a9b5d6; }
.f-links a:hover { color: var(--nfs-sun); }
.f-contact { list-style: none; padding: 0; margin: 0 0 20px; }
.f-contact li { display: flex; gap: 12px; margin-bottom: 12px; }
.f-contact i { color: var(--nfs-sun); line-height: 1.6; }
.f-contact a { color: #a9b5d6; }
.f-contact a:hover { color: #fff; }
.f-sub { display: flex; background: rgba(255,255,255,.08); border-radius: 10px; overflow: hidden; }
.f-sub input { flex: 1; min-width: 0; background: transparent; border: 0; outline: 0; color: #fff; padding: 12px 14px; font-size: 15px; }
.f-sub input::placeholder { color: #8e9bc0; }
.f-sub input.is-invalid { box-shadow: inset 0 0 0 2px #ff7b7b; }
.f-sub button { border: 0; background: var(--nfs-sun); color: var(--nfs-ink); padding: 0 18px; font-size: 17px; }
.f-bottom { border-top: 1px solid rgba(255,255,255,.1); margin-top: 60px; padding: 22px 0; font-size: 14px; }
.f-bottom a { color: #a9b5d6; margin-left: 20px; }
.f-bottom a:hover { color: var(--nfs-sun); }

/* ---------- Back to top ---------- */
.back-to-top { position: fixed; right: 22px; bottom: 22px; width: 48px; height: 48px; border-radius: 12px; border: 0; background: var(--nfs-sun); color: var(--nfs-ink); font-size: 20px; box-shadow: var(--nfs-shadow); opacity: 0; visibility: hidden; transform: translateY(10px); transition: all .3s ease; z-index: 1040; }
.back-to-top.show { opacity: 1; visibility: visible; transform: none; }

/* ---------- Photo fallback + reveal ---------- */
.img-fallback { background: linear-gradient(135deg, var(--nfs-cobalt), var(--nfs-ink)) !important; }
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 991.98px) {
  .section { padding: 72px 0; }
  .row.g-5, .row.g-lg-5 { --bs-gutter-x: 1.5rem; }
  .hero .hero-photo { width: 100%; clip-path: none; opacity: .28; }
  .hero .container { padding-top: 80px; padding-bottom: 110px; }
  .step-card:nth-child(n) { margin-left: 0; }
  .navbar-collapse { padding: 14px 0 6px; }
  .nav-link::after { display: none; }
  .news-band { padding: 36px 26px; }
}
@media (max-width: 575.98px) {
  body { font-size: 16px; }
  .inline-sub { flex-direction: column; }
  .inline-sub .btn-nfs-dark { justify-content: center; }
  .form-panel { padding: 28px 20px; }
  .about-frame { padding: 0 16px 16px 0; }
  .section-title .hl { white-space: normal; }
  .navbar-brand img { height: 36px; }
  .f-bottom a { margin: 0 16px 0 0; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
}